I don't have this problem. I often log out, THEN hibernate, as my video drivers sometimes screw the pooch suspending or hibernating from a login session. (It also clears up memory.)
FWIW, I have a power-on password which matches my Windows login password, and I also configure the Fingerprint reader (FPR) to serve as power-on password and Windows sign-on.
Also ... I've seen instances in which a username/pw entered immediately after a system restored from hibernation or suspension was rejected and I know it was typed in correctly. My guess is that the Windows SAM is slow to wake up.

Waiting 5 seconds resolves that. At that point we're into the realm of "magic/more magic," and your mileage will certainly vary.